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Comparing Ether.fi Cash Card and Xplace Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Ether.fi Cash at 4.9/5 vs Xplace at 4.9/5. Ether.fi Cash has a small lead, but which card works better depends on what you need.
Ether.fi Cash Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Xplace may be better if you prefer self-custody need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Xplace Card (4.9/5).
| Features |  Ether.fi Cash Card |  Xplace Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Self-custody | |
| Visa Signature | Visa Credit | |
| Free | Free | |
| Free | Free | |
| 1% FX on all non-USD currencies (including EUR — native EUR not yet live) | 1% FX fee on international transactions (even on Platinum tier) | |
| Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) | 0.5-2% real-time USDC cashback (tiered) | |
| Core $30K/day, Luxe $50K/day, Pinnacle $100K/day | Based on collateral and tier | |
| $250/day, 2% fee, 3 attempts per 24h | Not available (no cash advances or ATM withdrawals) | |
| USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) | 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) | |
| 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | 160+ countries including US, EU, Africa, Asia-Pacific, Latin America, Middle East | |
| Get Card | Get Card |